Formack

Your Age? 31 Your Equifax Credit Score? 608 Fico score 8, Fico Auto 8 says 575 Your Experian Credit Score? ? 
Your TransUnion Credit Score? 616 How many years have you been on file with Equifax? 14 
How many years have you been on file with Experian? ? How many years have you been on file with Trans Union? 10 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 Do you have an open auto loan? Yes, 2 loans Will this open auto loan be a trade-in? 1 will be traded in, 1 will keep How many late pays within the last 12 months on the currently open loan? zero How many late pays within the last 13-24 months on the currently open loan? zero Your current open auto loan is financed with? GM Financial (bought in 2/2015) and CSC Logic ( I am trading the CSC logic) Your current open auto loan payment is? $840.00 and 440.00 ( I am trading the $440.00) 
Estimated amount you may be upside down in this vehicle? 
up to $2,000? I think more like $1,000 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 
10 

 YOUR REVOLVING CREDIT HISTORY 

Total number of revolving account(s) you have? 5 Total percentage utilized overall? 16% Total available credit (credit and store cards) Available $4200 total How many of your revolving accounts are store cards? 2 (Walmart $300, target $300) How many of your revolving accounts are major credit cards? 3 (Discover $800, Capital one $2300, capital one $500) How many of your revolving accounts are known subprime credit cards? 0 YOUR PERSONAL INFORMATION 

How long at your current residence? 5 years 
Do you Rent or have a Mortgage, or Live w/Relative or Other? other(husband has our rental in his name, and he pays it from his income. I pay the cars, can I put this as no monthly rent since he is responsible for it? Your Monthly Rent or Mortgage payment? (If I have to claim it, $925) How long have you held your current job? 2 years 3 months Your total provable monthly gross income is? $7500.00 per month Your provable monthly gross income is provable via what method? paycheck stubs 
Is there additional monthly income? no What amount monthly?
 
Is the additional monthly income provable?
 Spousal income is not applicable.

 YOUR DOWNPAYMENT 
Please tell me your exact down payment in cash? $2000.00 (rebates and trade equity are not considered, please input a dollar value only.) Does any credit repository contain any Public Record? No Does any credit repository contain any Collection Account(s)? Yes 
If yes, please very briefly describe. Old Electric $0 from 9/2009 medical $211 3/2014 medical $300 9/2013 medical $238 9/2009 old cc $287 4/2010 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 ever, 10 in last 4 years Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: New 2015 Chevy Tahoe LT $48,000 What about a low mileage lease on either of these cars? I would be open to lease if that was a better option. I drive about 10,000 miles or less per year

thank you!

Credit Application: Your Age? 31 Your Equifax Credit Score? 618- all scores from 11/11/14 Your Experian Credit Score? 626 Your TransUnion Credit Score? 613 Credit Karma on 1/6/15 595 How many years have you been on file with Equifax? 10 How many years have you been on file with Experian? 10 How many years have you been on file with TransUnion? 10 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes, 2 Will this open auto loan be a trade-in? 1 of the 2. (the one I'm trading is joint, the one I'm keeping is just me) How many late pays within the last 12 months on the currently open loan? 5 on the one I am trading, 0 lates ever on the other. How many late pays within the last 13-24 months on the currently open loan? 10 Your current open auto loan is financed with? Capital one auto finance Your current open auto loan payment is? $798 Estimated amount you may be upside down in this vehicle? 0 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 6 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 2 Total percentage utilized overall? 10% How many of your revolving accounts are store cards? 1 (Target) How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 (Capital one Quicksilver) How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 4 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 920 How long have you held your current job? 18 months Your total provable monthly gross income is? 7500.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return)- computerized paycheck stub Is there additional monthly income? What amount monthly? N/A Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 5000.00 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? 6 If yes, please very briefly describe. cable $122 medical $300 medical $211 old electric $0 old cc $287 medical $238 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10- never late New or Used vehicle you are considering: Please very briefly describe. $53,000.00 2015 Chevy Silverado 3500 Crew cab dually 4x4 This will be a work truck for my husband. His credit is worse than mine but his income is much higher. About $16,000/month provable with check stubs, will add him if I need it for the income. I am also willing to trade an additional paid off truck worth approx. $4000.00 the dealership said they have a deal right now 0% for 60 months? doubt I will qualify. Thanks for the consideration.

Thank you so much for the help!

Okay , I'm trying to make sure I plan ahead and get all my ducks in a row. Can you tell me what I'll need to have a good chance of qualifying? What score would you like to see? How many months of bank statements do I need? How much in reserves? I currently rent, and use cashiers checks. Does a receipt from the landlord suffice? Or do I need copies of the cashiers checks. Should I start paying by regular check? I'm trying to eliminate all collections. That will leave 2 auto loans(1is in just my name and the other in mine and my hubby's), and 1 small cc $300. I'll be working on CLI and keeping the balance super low, it's currently zero. Do I need 2 more credit cards? Thanks so much for all the help!

Thanks Brian! That gives me a little hope!

I am currently working on my credit. It is 590 and will not even attempt a mortgage until it is in high 600's. I want to buy a house, my husband and I have been married for 10+ years and have rented this whole time. We live in Texas. My question is; with Texas being a community property state...... Can I get a mortgage in just my name? I make about $75,000/year myself, full time job, been there 16 months. My only debts will be car x2; $798 &480 a month, student loans in good standing and are in deferment for 1 year because I am working on a higher degree, $300 credit card with no balance. My husband had a federal tax lien on his credit; which is why I want to do the loan in only my name. Is this possible? Thanks so much!

Thank you so much for the help!

Thanks Mendelssohn. I used the process awhile back, and did not remember the part about not disputing anything else during that time! I couldn't help myself, I applied for the Capital one quicksilver MC. I was approved!! $300 limit, which is low but I am still so excited! There is a yearly fee of $39, but with cash back I figure it will be ok for my first card. 0% APR for the first year. I plan to charge and pay for awhile and then request CLI. A couple of questions: How long do I need to charge,pay before they typically ok CLI's? Is it better to charge and pay several times throughout the month? Or charge once and pay at the end of the month? Thanks so much guys!!

Ok, I started this process a long time ago...gave up, fell and now I'm back on the credit repair bandwagon. As of today: 9/17/2014- My CK score is 590 I have 2 auto loans open Capital One Auto (joint)- $17,392 opened 8/2012 --- 17 lates, current for last 4 months (awful, I know! Any success having them remove lates?) Peritus Auto -$12,159 opened 3/2014 --- no lates, current 4 Student loans total $21,270- all current, no lates ever, currently all deferred because I'm going back to school $6,800 $6,393 $4,577 $3,500 1 inquiry 3/2014 6 collection accounts: These 2 were paid to OC and will fight to have removed: Ntl credit systems- $238-9/09 Credit systems int- $0-9/09 Of the remaining 4, I will pay OC on 2 and follow Whychat's process as they are medical Paramount recovery--medical $211-8/14 -shows open Paramount recovery--medical $300-9/13 -shows open Credit Management -Charter $122-10/10 -shows closed Jeff Cap system-Imagine $287 -shows closed 2 closed accounts with missed payments: Chase Auto-closed paid off in 9/11- shows 6 lates during loan ??? should I try to have lates removed or have it removed completely? it's one of my older Toledo Fin- closed paid off in 9/09- shows 1 late 2 accounts closed as derog: Security Fin $580 ----maybe PFD? Toledo Fin $855 ----this company isn't around anymore I do not have any credit cards. I know I need to get 3 to boost my score, while I work on these baddies to get them removed. Luckily; none are very much money and I do not have a problem paying the medicals, etc to get them off. What would you recommend I get? Should I apply now? or wait until I get all of the collections off? Do I have a shot now? I am fine with a secured card if necessary, but I would also like an unsecured also. I definitely want something that I can get CLI to boost my utilization. I also do not want to choose a card that is considered super sub prime that will hurt me or look bad later. Credit Karma is recommending Capital one Quicksilver One cash rewards card, it states my approval chance is very good. But, I do not want to waste an inquiry if this is a bad card in the long run. Thanks to everyone! Any advice is appreciated. I hope to refinance my vehicles and buy a house. But, I need to fix my credit first!!

My hubby has a collection from 2009, it shows this in the payment status "Bad debt&placed for collection&skip". Wow thats nice.

I too just noticed that, whats up?

Thanks so much

Ok, way late posting this. Thanks so much Why Chat! Gone off all reports! YEA!

It is listed as a collection account, even though it lists $0 as the balance. So, weird.